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Consumer Finance State Roundup

May 23, 2023 By Consumer Finance Team

State Capital

The pace of legislative activity from this year’s current session can make it hard to stay abreast of new laws.  The Consumer Finance ABStract’s “Consumer Finance State Roundup” is intended to provide a brief overview of recently enacted measures of potential interest.  For this first installation, we are including additional measures enacted during the current legislative session that will take effect in short order: During this current legislative session, the following five states have … [Continue reading] about Consumer Finance State Roundup

Filed Under: Debt Collection, Licensing, Mortgage Loans, Mortgage Servicing, State Law Tagged With: #collectionagencies, #remoteoperations, #stateroundup

CFPB Issues Preemption Determination that State Commercial Financing Disclosure Laws Are Not Preempted By TILA

May 5, 2023 By Aldys London and Aileen Ng

CFBP on google search result

A&B Abstract: The Consumer Financial Protection Bureau (CFPB) recently announced that it issued a final preemption determination concluding that certain state disclosure laws applicable to commercial financing transactions in California, New … [Continue reading] about CFPB Issues Preemption Determination that State Commercial Financing Disclosure Laws Are Not Preempted By TILA

Filed Under: California, Consumer Financial Protection Bureau (CFPB), State Law, Truth in Lending Act (TILA) Tagged With: #California, #CFPB, #New York, #Utah, commercial financing, disclosures, preemption, TILA

New York’s Commercial Finance Disclosure Law Set to Take Effect August 1, 2023

April 4, 2023 By Stephen Ornstein and Josh Dhyani

Loan agreement on a table and dollars.

A&B Abstract: New York is one of the first states that enacted laws requiring consumer-style disclosures for commercial financing transactions (the “New York Law”). Previously, the New York Department of Financial Services (“NYDFS”) issued … [Continue reading] about New York’s Commercial Finance Disclosure Law Set to Take Effect August 1, 2023

Filed Under: State Law Tagged With: #New York, #NYDFS, commercial financing, disclosures

Second Circuit Deepens Circuit Split over CFPB Funding Structure

March 28, 2023 By Sam Bragg

Supreme Court

A&B ABstract: On March 23, 2023, the Second Circuit held the Consumer Financial Protection Bureau’s (CFPB) funding structure is constitutional.  This decision comes on the heels of the Supreme Court granting certiorari to review the Fifth … [Continue reading] about Second Circuit Deepens Circuit Split over CFPB Funding Structure

Filed Under: Circuit Court Decisions, Consumer Financial Protection Bureau (CFPB) Tagged With: #CFPA, #CFPB, 2nd Circuit, Court of Appeals, Second Circuit

States Continue Trend Supporting Remote Work for MLOs and Mortgage Company Employees

March 27, 2023 By Morey Barnes Yost and Aldys London

Single family house on pile of money.

A&B ABstract: Effective July 1, Montana will become the latest jurisdiction to codify authorization for mortgage loan originators and mortgage company employees to engage in remote work. That legislation follows a general trend over the past … [Continue reading] about States Continue Trend Supporting Remote Work for MLOs and Mortgage Company Employees

Filed Under: Licensing, Mortgage Loans, State Law Tagged With: licensing, MLO, Montana, mortgage lending, mortgage loan originator, remote work

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Recent Posts

  • Consumer Finance State Roundup
  • CFPB Issues Preemption Determination that State Commercial Financing Disclosure Laws Are Not Preempted By TILA
  • New York’s Commercial Finance Disclosure Law Set to Take Effect August 1, 2023
  • Second Circuit Deepens Circuit Split over CFPB Funding Structure
  • States Continue Trend Supporting Remote Work for MLOs and Mortgage Company Employees
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